Community Financial: Loan Services: Loan Rates

Receive Basic Checking with no monthly fees if you
do any of the following:

Have monthly direct deposit of your paycheck, social security or pension check into this account
Maintain $500 in this account
Are a Member Rewards Club member with a minimum combined deposit/loan balance of $10,000+ (excluding first mortgage)
Join e-Club; this fee is waived when you do not use branches for routine transactions
Are a Student Club member age 16 to 20

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Rates as low as ¼% below Wall Street Journal published prime rate

Prime minus .25% ( The Prime Rate as published in the Wall Street Journal -.25%) is available on loans of $25,000+ with a loan to value (LTV) of 80% or less. This includes a .25% discount received when payments are automatically deducted from a Community Financial checking account. Actual rate will be determined by credit history, LTV and the amount borrowed. Minimum rate 4.0%. Maximum Rate 18.0%. There are no closing costs to establish a HELOC but property insurance is required at the member's expense. A $300 cancellation fee is charged to all accounts closed within the first 24 months. The annual fee of $50 is waived the first year and on all accounts with balances of $20,000 or more. Rates information as of 3/2007 and subject to change. Equal opportunity lender.

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Adjustable Rate Mortgage Payment Example

ADJUSTABLE RATE MORTGAGE TYPE	LOAN AMOUNT	SAMPLE RATE	NUMBER OF PAYMENTS	PRINCIPLE & INTEREST PAYMENTS
1/1 YEAR	$150,000.00	5.750%	360	$875.36
3/1 YEAR	$150,000.00	5.750%	360	$875.36
5/1 YEAR	$150,000.00	5.875%	360	$887.31
7/1 YEAR	$150,000.00	6.500%	360	$948.10

The above information is intended to give you an example of the monthly payments on an Adjustable Rate Mortgage. Your actual rate and monthly payments will vary depending on current rate, loan amount and other factors. Please contact a Mortgage Specialist for your personalized payment quote. Rates are subject to change without notice. Community Financial is an Equal Housing Lender.

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Qualifying for Free Checking

It is easy to qualify for Free Checking. Simply have your monthly, recurring pay, social security, pension or other recurring government check directly deposited into your Community Financial Basic Checking Account. This will waive the monthly service fee and per check charges

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Avoid the $8.00 Monthly Fee on Checking Plus by:

Maintaining $2,500 in this account
Being a Member Rewards Club member with a minimum combined deposit/loan balance of $25,000+ (excluding first mortgages)
Linking this account with others to build your total household balance to $25,000+

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Avoid the $15.00 Monthly Fee on High Yield Checking by:

Maintaining $2,500 in this account

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Avoid the $3.00 monthly fee on your Basic Savings Account
if you do any of the following:

Maintain $300 in this account
Are a Member Rewards Club member with a minimum combined deposit/loan balance of $10,000+ (excluding first mortgage)
Joining e-Club; this fee is waived when you do not use branches for routine transactions
Are a member under age 21
Linking this account with others to build your total household balance to $10,000+

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Avoid the $5.00 Monthly Fee on your Super Saver Account by:

Maintaining $1,000 in this account
Being a Member Rewards Club member with a minimum combined deposit/loan balance of $25,000+ (excluding first mortgages)
Linking this account with others to build your total household balance to $25,000+

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Avoid the Monthly Maintenance & Per Check Fees
on Business Checking when you:

Maintain $5,000 in this account.

Please note the $.15 per deposit fee on excess deposits is not waived.

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Avoid the $3.00 monthly fee on Business Savings when you:

Maintain $300 in this account
Join e-Club; this fee is waived when you do not use branches
for routine transactions

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Close Window

Fixed Rate Mortgage Payment Examples

30 Year Fixed Mortgage Payment Example: A $200,000 home with 20% down, at 6.375% for 30 years with zero points, your monthly principal and interest payment would be $998.19.

15 Years Fixed Mortgage Payment Example: A $200,000 home with 20% own, at 6.125% for 15 years with zero points, your monthly principle and interest payments would be $1,361.

Rate sample information as of 3/2007 and subject to change without notice. Equal housing lender.

Call (734) 582-8500 or toll free (877) 937-2328 ext. 8500 for details.

Close Window

LIVE Online Support | About Us | Contact Us | Site Map

LOAN SERVICES

Auto Loans >>
Home Equity Loans >>
Credit Cards >>
Signature Loans >>
Recreational Vehicles >>
Applications & Forms >>

Related Links

•	Savings Rates
•	Loan Calculator
•	Checking Options
•	Know your credit score
•	Loan & Credit Management

Home / Loan Services / Loan Rates

Loan Rates

Helping You Reach Your Dreams

Certified Used Cars - Check Enterprise Inventory online

Whether you’re buying a new car, remodeling your home or consolidating your monthly bills, Community Financial has a variety of loans to fit your needs. Here is just a sample of our current rates contact a Financial Sales Representative at (877) 937-2328 for a personalized rate quote.

Consumer Loan

Rates as low as

Terms

New Vehicles Apply >>

5.49% APR

Community Financial offers flexible terms on all installment loans

Click here to chat with a representative and receive a customized payment example based on your needs.

Used Vehicles 2006-07 Apply >>

6.49% APR

New Boats Apply >>

6.49% APR

Used Boats Apply >>

7.49% APR

New Recreational Vehicles Apply >>

6.49% APR

Used Recreational Vehicles Apply >>

7.49% APR

New Power sports Apply >>

6.49% APR

Signature Loans Apply >>

13.99% APR

Platinum VISA

Click for required VISA Disclosure

10.74% APR

Revolving Lines

Home Equity Loans	Rates as low as	Terms
Home Equity Lines of Credit	4.00% APR	Revolving Line
Home Equity Term Loans; please call (877) 937-2328 toll free, for information on our extended terms & low fixed rate options. Lock in your payments to fit your budget.

Annual Percentage Rates as of 4/3/2008 and subject to changes without notice. Equal Opportunity Lender

*Consumer Loan Annual Percentage Rates (APRs) only available at Community Financial offices, the web or call center; not available through dealerships. Quoted term rates are based on 48 month term and include a .25% rate discount when payments are automatically deducted from your Community Financial checking account. Rates vary and are dependent on individual credit history and other factors including: model year, loan amount and term.

**Home Equity Loans The variable rate of 4.00% Annual Percentage Rate (APR) is based on a $25,000+ line of credit and 80% Loan to Value (LTV). Estimate assumes a .25% rate discount given when payments are automatically deducted from a Community Financial checking account.
Rates are based on the published Wall Street Journal Prime Rate as of 3/19/2008 and subject to change without notice. Additional rates available based on loan amount, LTV and individual credit history. Maximum rate 18%APR, minimum rate 4% APR. HELOC INFORMATION
An early termination fee of $300 will be charged on lines closed within the first 24 months.

Receive a Rate Discount with Auto Pay
You’ll receive up to .50% off the rate on your next installment loan when your monthly payments are deducted from your Community Financial checking account. This discount is also available on Home Equity Lines of Credit.

Apply Now
Community Financial makes applying for your loan fast & convenient. You can:

Apply Online
Apply by phone at (734) 453-1200 or (877) 937-2328 toll free.
Apply in person at any branch office

It has never been easier, apply today!

Giving You Piece of Mind

All Community Financial VISA cards give you the security of VISA's Zero Liability Policy. Your cards are covered if they are ever lost or stolen.

Community Financial Members Federal Credit Union, P.O. Box 8050, Plymouth, Michigan 48170-8050
National Credit Union Administration (NCUA) Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. Your savings also privately insured for an additional $250,000 by Excess Share Insurance Corporation (ESI). ESI is a subsidiary of American Share Insurance. Equal Housing Lender. Community Financial 2007